JanChase Charifa
InstaMortgage Inc. · San Jose, CA
NMLS ID 1108326 (opens in a new tab) · verify at NMLS Consumer Access
Based in San Jose, California, JanChase Charifa (NMLS 1108326) is a mortgage loan officer at InstaMortgage Inc., licensed in California since 2014 and in Texas. JanChase's focus, from their own profile, includes 2 to 4 unit property and vacation home, and JanChase works at an FHA-approved lender, per HUD.
Last verified . Sources: InstaMortgage Inc. (instamortgage.com), Texas state regulator, California state regulator and NMLS Consumer Access (license status, check live). Licensed as Jan-Chase Charifa (California and Texas regulators).
- Earliest state license record: March 6, 2014 (California), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is JanChase licensed in California?
- Yes. California regulator records list license CA-DBO1108326 as active, first effective March 6, 2014 (verified 2026-10-24). LenDb has 1 other state on file for JanChase.
- Source: California state regulator (opens in a new tab)
- Does JanChase work on 2 to 4 unit property loans?
- JanChase's profile lists 2 to 4 unit property as a focus (from their lender profile page). It also lists vacation home.
- Source: lender page (opens in a new tab)
- What lender does JanChase work for, and is it FHA-approved?
- InstaMortgage Inc., company NMLS 1035734, from the San Jose, CA office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
- Source: lender site; HUD (opens in a new tab)
- How long has JanChase been licensed?
- The earliest state license record LenDb holds for JanChase is from March 6, 2014 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: California state regulator (opens in a new tab)
Specialties
Focus
- Focus: 2 to 4 unit property(from their lender profile page)
- Focus: Vacation home(from their lender profile page)
Where we saw these: instamortgage.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: TX (opens in a new tab), CA DFPI (opens in a new tab) (CA-DBO1108326, first effective 2014-03-06), verified 2026-10-13.
Contact
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Employment history
InstaMortgage Inc. NMLS 1035734
Current · San Jose, CA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
JanChase Charifa has been in the mortgage industry since 2013. They say they have specialized in investment rentals, including multifamily and short term rentals.
Our summary of the lender page. Verified 2026-10-15.
Sources
| Name and employer | state regulator · instamortgage.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · dfpi.ca.gov (opens in a new tab) | verified 2026-10-24 |
| Specialties | lender site · instamortgage.com (opens in a new tab) | verified 2026-10-21 |
| Summary | state regulator · instamortgage.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · instamortgage.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · instamortgage.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: JanChase Charifa (NMLS 1108326), InstaMortgage Inc.. LenDb.ai, https://lendb.ai/lo/jan-chase-charifa-1108326, last verified 2026-10-24.
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